I used to get pretty fed up when applying for a credit card and end up getting turned down. However its not something I get worried about now. I’ve always had an erratic income, due to self employment and don’t think thats going to change much. Needless to say I tend to avoid High Street banks.
This is because Credit card providers generally have pretty strict criteria when judging applicants for credit cards. They will have a specifi credit rating score range that they are seeking from applicants.
Well if you don’t fall within this score range, you will not be in their target range and will simply be refused the card.
This does not mean that you will not be successful when you apply for another credit card that is targeting your section of the market. And it is important not to take the rejection to heart. I basically don’t bother with credit cards anymore, and make do very well with “pre-pay” ones to order stuff online.
If however you can’t live without a credit card, there are “no refusal credit cards” out there. One of the biggest operators in this area is Vanquis.
Getting hold of a Vanquis Card, might be useful for emergency cash in the future, or help you rebuild up your credit. So if you have been refused elsewhere, give Vanquis a try. Its a simple, straightforward sign up procedure.
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vanquis
Internet isn’t always a timewaste. It has greatly simplified life a lot. There are any number of dedicated websites that will relieve you of the worry of talking to officials in the loan approval office just to go through all the paperwork.
In short applying for a Payday loan is not at all a hassle it used to be. All you usually need to do is to fill out an online application form on a payday loan web site and submit it to them for processing.
However if you want a loan and not in the mood for filling out a lengthy form, or just want information for the future, then Smart Credit Source (UK) is for you. As all they ask is for your email address! Now it doesn’t get much easier than that!
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Smart Credit Source
Sell Your Scrap Gold for Cash – Securely through the Post!
Sometimes if you are short there is a better way than getting a payday loan. That better way is sometimes to sell some of your stuff that you no longer need! If you have some scrap gold around, broken gold necklaces, rings which have no sentimental value you can sell them by post using Money 4 Gold UK.
I hate taking stuff around second hand shops and pawn brokers anyway who always seem to give you a snooty look and not offer you much money anyway. Now there is a much better deal than trying to sell your old gold and jewellery for money in shops and dealers, who will only give you a percentage of your gold’s total value as they are middlemen who can only sell onto someone else.
Turn this Old Gold…
Into this…
Money 4 Gold UK is a great service which gives you pretty much all of the money, since they are not a middleman and don’t then have turn around and sell your old jewellery to somebody else. The good news is that you deal with money4gold entirely online and you send your old gold off the them in the post.
The even better news is that, Money 4 Gold UK is the refinery itself, so they can melt down all jewellery they receive on-site, thus saving them money and passing those savings directly onto you in the form of bigger cheques and more money for your old gold.
I had sent them some of my girlfriends old necklaces and things (with her consent off course!) which obviously hold no sentimental value for her, me or anybody else for that matter. After I signed up for the service, money 4 gold uk mailed me a package which I could use for free to send any jewellery I wanted melted down to them.
I thought that if I were to write a review for this blog I ought to do some “investigative reporting” so I decided to give them a call. They were very helpful with great customer service support throughout the process.
The representatives I talked to assured me that if I had any questions at any point, I should feel free to ask them. I was also told that Money 4 gold uk offer a 90 day satisfaction guarantee, so that if I didn’t feel the cheque they mailed me was enough for the gold I had sent them, I could contact them within that period and get all the items I’d sent in back in their original form.
It’s this sort of great service and customer-first attitude that really sets money 4 gold uk apart from all the other services like this that exist out there. So if I find any more gold to sell I will be giving the pawn brokers a miss!
Tags:
money 4 gold
